Property Apprentice Podcast

Send Us A Message! Let us know what you think.Is this the best time to buy in a decade? While the mainstream media fixates on a "landlord exit," the hard data reveals a rare, high-opportunity window that Paul and Debbie Roberts are calling the "Goldilocks Market."In Episode 13, we cut through the negative noise to show you why New Zealand property is currently at its most affordable level in 10 years. With sales volumes hitting their highest peak since the 2021 boom—yet prices remaining remarkably stable—the power has shifted firmly into the hands of strategic buyers. Whether you are looking for your first home or your next high-yield investment, this is the blueprint for navigating a sustainable, measured market.In this episode, we celebrate the positives:The Affordability Milestone: Why current house-price-to-income ratios make this the most accessible market in a decade.The Sales Surge: Unpacking the 7,853 sales in March—the highest volume in years—and what it means for market liquidity.Regional Superstars: Why the West Coast (+22.1%) and Southland (+17.9%) are leading the charge in capital growth.The $60 Million Success Story: How a new 297-unit development in Auckland proved the massive valuation gains available in the "Build-to-Rent" sector.DTI "Green Lights": Why new debt-to-income limits actually favour savvy investors and new-build strategies.Don't wait for the headlines to turn positive—by then, the window will be closed. Learn how to use the current "Goldilocks" conditions to secure your financial future today.Ready to navigate the market with strategy, not fear?📅 Free Online Event: Learn to identify the next growth corridor before the crowd. Register here💻 Website: www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Construction costs are undergoing a systemic reset. As material costs surge due to energy intensive kilns and smelters , investors must move from theory into action. In this episode, Debbie Roberts answers your burning questions: Should you cancel your build? Are fixed-price contracts safe?  We reveal the "Silver Lining" of lower wage inflation and why existing property stock is looking like a high-value bet for the risk-averse. Key Takeaways:Supply Chain Squeeze: Why importing costs from China are up 22%. The 15% Rule: Why a 5% contingency buffer is dead.LVR/DTI Exemptions: The 6-month CCC window you need to watch.Source linkFree Online Event: Learn to identify the next growth corridor before the crowd. Register here: https://www.propertyapprentice.co.nz/auckland-events/ 💻 Website: https://www.propertyapprentice.co.nz/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are sellers finally meeting the market? This week, Paul and Debbie Roberts dive into new data showing $54.7 million was cut from New Zealand asking prices in just three months. We look at why the "expectation gap" is closing and what that means for your next negotiation. We also tackle the rising hurdle of insurability—why "short memories" about flood risks are being replaced by a permanent shift in how banks and insurers view risk. Plus, find out why an Aussie influx is targeting New Zealand for both value and safety. Highlights:The $33k Average Drop: Breaking down the 1,647 properties that adjusted their prices. Insurance "Future-Proofing": The critical IFSO ruling that places the cost of better rebuilding on you. The Brisbane Comparison: Why NZ land is currently "really cheap" for Australian investors. Free Online Event: Learn to identify the next growth corridor before the crowd. Register here: https://www.propertyapprentice.co.nz/auckland-events/ 💻 Website: https://www.propertyapprentice.co.nz/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Compared to the latest ANZ and CoreLogic forecasts, this 2026 Census data reveals a much more resilient NZ property market than the headlines suggest. While many are predicting a slow recovery, the ground-level data shows that intensified building is already opening massive doors for home ownership in key growth corridors.In Episode 11 of NZ Property Insights, Paul and Debbie Roberts go behind the numbers to explain why "sideways" doesn't mean "stagnant" and how a major regulatory shift on April 16th just changed the game for New Zealand landlords.PLEASE NOTE: If you downloaded this episode before 3:00 AM and hear the wrong audio, please delete the download and re-download to get the correct version!We had a "tech gremlin" swap our files at launch, but the correct episode is now live. Thanks for your patience!In this episode, we break down:The Census Revelation: Why intensified construction is the "secret weapon" helping Kiwis beat the home ownership bias and find new paths into the market.The 21.6% Market Floor: National property values remain 21.6% higher than March 2020. We discuss why this creates a solid foundation for your next move.Growth Corridors Revealed: We name the three specific areas—Penrose, Ruakura, and Wharewaka—where the housing mix is fundamentally shifting.The New Meth Rules (April 16): A massive win for landlord sanity! We unpack the shift to the 15-microgram threshold and the new 30-microgram "uninhabitable" limit.The $50,000 Compliance Trap: Learn the mandatory 7-day disclosure rule and how to protect yourself from heavy penalties.The Migration Factor: With net migration hitting 43,000 per year, we look at how population pressure is outperforming the Reserve Bank’s expectations.Resource Links: 📅 Free Online Event: Learn to identify the next growth corridor before the crowd. Register here: https://www.propertyapprentice.co.nz/auckland-events/ 💻 Website: https://www.propertyapprentice.co.nz/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is the New Zealand property market "stuck," or is it quietly preparing for the next big shift? While global headlines are heavy with oil shocks and geopolitical tension, the ground-level data shows a market holding its nerve—and in some regions, completely shattering expectations.In this episode of The Week in Review, Debbie Roberts reveals why "sideways" is actually a strategic accumulation window, how to navigate the bizarre new world of AI scams at the Tenancy Tribunal, and which NZ regions have already fully recovered to their 2021 peaks.Inside this week’s breakdown:The Global Ripple Effect: We look at the "Fuel Storm" and Middle East conflicts. Is the uncertainty creating a "buyer’s standoff," or is it the perfect time to negotiate?The Regional Leaders: While Auckland waits, Christchurch and Southland are already back at record 2021 levels. We unpack why these regions are the "canaries in the coal mine" for a national recovery.AI Hallucinations at the Tribunal: A major warning for landlords! We expose the surge in AI-generated scams and 100-page "hallucinated" claims causing chaos at the Tenancy Tribunal.The April 1st Wealth Shift: The 80% interest deductibility return is here, plus a 20% accelerated depreciation boost for businesses. We show you how to turn these tax changes into immediate cash flow.The KiwiSaver Hardship Reality: With a record $49 million withdrawn in March, we issue a critical warning for anyone on benefits: don't let a hardship withdrawal disqualify your entitlements.CEO Mindset: Why the most successful investors treat a sideways market as a "building phase." Learn how to act as the CEO of your own financial future.Resource Links: 📅 Free Online Masterclass: Learn the mechanics of building a portfolio that works regardless of the headlines. Register here: https://www.propertyapprentice.co.nz/auckland-events/💻 Website: www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Stay ahead of the NZ Property Market with this week's deep dive into the economic shifts affecting Property Investment NZ. While national headlines paint a cautionary picture of Real Estate New Zealand, the underlying data reveals a massive "Auckland Skew" and a unique window of opportunity for patient buyers.In this episode of The Week in Review, Debbie Roberts breaks down the "Invisible Tax" hitting household budgets and why one major bank is now predicting three more interest rate hikes starting as early as July.Key Insights This Week:The Invisible Petrol Tax: With petrol prices jumping nearly 19% in March, fuel spending skyrocketed by 17%. We discuss how this "budget reshuffle" is impacting the wider economy and your tenants' ability to handle rent increases.The 3-Hike Warning: ANZ has issued a bold prediction: three more OCR hikes could be coming. We unpack why the window to secure current rates is closing faster than most realize.The Auckland Skew: National median prices eased 0.3%, but if you strip Auckland out, the rest of the country saw a 1.4% lift. We explain why regional growth is the real story the headlines are missing.The 36% Auction Rule: With auction clearance rates at 36%, we are in a "buyer's standoff." Learn the exact negotiation tactics to use when only 47% of properties are hitting their RV.Myth-Busting: Why your owner-occupied home is a "liability with benefits," not an investment—and how to build a strategy that generates actual income.Links & Resources Mentioned:Free Online Event: Register for How to Succeed with Property InvestingWebsite: Property Apprentice📈 WE NEED YOUR HELP: We’ve set a goal to help 1,000 Kiwis with their property strategy this week. If you found this data valuable, please hit the Share button in your podcast app and send this to one person!Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is the New Zealand housing market heading for a total crash, or are we just seeing a temporary hit to confidence? In Episode 10 of New Zealand Property Insights, Paul and Debbie Roberts tackle the latest Reserve Bank "hawkish" hold, a record spike in rental prices, and a shocking investigation into rogue landlord practices. In this episode, we cover:The RBNZ's Hawkish Hold: The Official Cash Rate remains at 2.25%, but the message is clear—if inflation doesn't drop to 2%, timely increases are coming. We discuss why ANZ is now predicting a 2% house price drop and what this means for your current equity. The Rental Market Crossroads: While national listings fell by 3.2% in March, some regions are hitting extreme pressure points. Average rents in the Central Otago Lakes district have hit a staggering record high of $903 a week. We also address why a record 26% of investors are considering the "exit door." Rogue Landlords & Compliance: We break down the high-profile investigation into a mother-and-son pair facing $30,000 in penalties for substandard rentals and failing to lodge bonds. Professional standards are no longer optional—they are a survival requirement in the 2026 market. Counter-Cyclical Strategy: When the masses hesitate, the "educated" investors find their best deals. Learn how to split your debt to avoid rate shocks and why "buying when others are scared" is still the fastest way to fund your retirement. 📈 WE NEED YOUR HELP: We are trying to reach a milestone of helping 1,000 Kiwis this week. If you find this data valuable, please hit the Share button on Spotify, Apple, or YouTube and send this to one person who owns property. Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for "How to Succeed with Property Investing": https://www.propertyapprentice.co.nz/auckland-events/💻 Website: https://www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.While some commentators are calling the current New Zealand property market slow, we are actually seeing an incredibly exciting window of opportunity. In this episode of The Week in Review, Debbie Roberts breaks down the localized wealth booms, massive zoning changes in Auckland, and why high-net-worth foreign buyers are flooding the premium market.In this episode, we cover:The South Island Boom: While national property values only increased by 0.2% in March, wealth is highly localized right now. Invercargill jumped 1.7% for the month (up 7.1% year-on-year), and areas like Central Otago are hitting brand new all-time peak values.6 Years Post-COVID Reality: The latest QV House Price Index shows national home values are 21.6% higher than they were in March 2020. Christchurch values have skyrocketed 55% since pre-lockdown, while Wellington is sitting slightly lower than March 2020 levels.ANZ's Forecast Shift: With Auckland now accounting for 37% of New Zealand's housing inventory, ANZ has revised its 2026 house price predictions. We discuss why they shifted their forecast from a 5% increase to a potential 2% fall, and why this extends the buyer's market window.Auckland Plan Change 120: The government has mandated a new 1.4 million homes capacity floor for Auckland, allowing the council to downzone outer suburbs. However, 15-story zoning is locked in around the City Rail Link (like Maungawhau and Kingsland), legally protecting the development potential of transit-hub land.The Golden Visa Rush: Since the Active Investor Plus scheme changes on March 6th, foreign buyers froSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are the surging building consent numbers hiding a deeper economic reality?  In Episode 9 of New Zealand Property Insights, Paul and Debbie Roberts unpack three major shifts in the New Zealand financial landscape.In this episode, Paul and Debbie cover:Surging Consents vs. Economic Reality: Stats NZ data reveals 37,534 new homes were consented in the year to February, representing a 12% year-on-year increase. Auckland remains the growth engine, with multi-unit dwellings like townhouses making up over half of all new homes consented. However, Paul and Debbie explain why rising construction and excavation costs are making project feasibilities highly sensitive, and why buyers must use sunset clauses and fixed pricing.The KiwiSaver Shift: On April 1st, the default KiwiSaver contribution rate increased from 3% to 3.5%. An ASB survey found that 51% of people planned to increase their contributions to match this new rate. While this is a minor weekly adjustment—around $7 extra for someone earning $70,000—it has a massive compounding effect over time. We discuss why younger investors stand to benefit the most, despite having the lowest awareness of the changes.The Balanced Property Market: A new CBRE valuers report shows the housing market is currently stable and balanced. First-home buyers are the most active demographic, but they are heavily favoring move-in ready homes. This creates a massive opportunity for savvy investors to purchase unrenovated "do-ups" with less competition and manufacture their own equity in a flat market.Whether you are looking to build a new townhouse, check your KiwiSaver settings, or find hidden property deals, this episode provides the factual insights you need.Resource Links:📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/💻 Website: https://www.propertyapprentice.co.nz #NZPropertyMarket #PropertyApprentice #KiwiSaver #RealEstateNZ #PropertyInvestmentNZ #WealthCreationSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are we really in a flat NZ property market, or are you missing out on hidden bank payouts? In this episode of the Week in Review, Debbie Roberts from Property Apprentice unpacks a fascinating shift in how wealth, property, and debt are managed in New Zealand.If you are feeling the pinch, Reserve Bank Chief Economist Paul Conway explains why: it is fundamentally an issue of purchasing power. Although inflation has slowed, overall prices have surged by approximately 26% since 2020. Debbie explains why monetary policy won't save us, why New Zealand remains structurally expensive, and how successful investors are actively pivoting to adding value instead of waiting for lazy capital gains.In this episode, we also cover: 🚨 Bank "Loyalty Payouts": How banks are actively offering cash retention payments of 0.25% to 0.4% to existing home loan customers just to stop them from refinancing. 📉 The "Flat Market" Myth: Why the national "sideways" trend is an illusion. We dive into Cotality data revealing that 56% of tracked suburbs actually recorded flat or rising house values. 🔮 Forecast Reversal: Why ANZ economists went from predicting a 5% increase to a 2% fall in house prices for 2026 amid the conflict in the Middle East. 👴 The Retirement Gap: With mandatory KiwiSaver contributions rising to 3.5% from the 1st of April, Sharesies data shows four in ten Kiwis could still fall short of a basic, "no-frills" retirement.📢 FREE MASTERCLASS: How to Succeed with Property Investing Times of broader uncertainty often create the best local opportunities. Join our free online masterclass to learn how to spot the right opportunities, protect your cash flow from inflation, and build wealth safely step-by-step. We are a Kiwi-owned and operated business. Because we don't sell property, our financial advice and coaching support is completely unbiased. 👉 Register here: www.propertyapprentice.co.nz🎧 Listen on the go! If you are getting value out of this podcast, please open your Apple Podcasts or Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are landlords losing their leverage? In Episode 8 of New Zealand Property Insights, Paul and Debbie Roberts unpack a massive divergence in the national rental market, explain how homeowners are fighting back against inaccurate council flood maps, and break down the government's brand new regulations for property managers.In this episode, Paul and Debbie cover:The Rental Market Divergence: A tale of two cities. We break down the latest data showing Wellington's rental stock has surged by 54.2%, causing average rents to drop by 8.9%. Meanwhile, regions like Hawke's Bay have seen stock skyrocket by over 115%. We explain why landlords need to drop their egos, prioritize cash flow, and focus heavily on tenant retention right now.Fighting Council Flood Maps: We look at a recent case of a Glendowie homeowner fighting Auckland Council over a "flood-prone" designation based on broad-brush 2016 LiDAR data. We explain how sellers can protect their property value with private drainage reports and insurance history, and how savvy investors can use these limb notations to negotiate massive discounts.Property Management Regulated: Finally! Associate Minister of Housing Tama Potaka has announced a new government-backed framework to regulate residential property managers. We explain what the new public register means for you, and why the mandate for separate audited trust accounts will finally force the "cowboys" out of the industry.Whether you are trying to fill a vacant rental, looking to buy a discounted property, or want to make sure your property manager is handling your money legally, this episode is packed with essential advice.Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/🏠 Book a Free Chat: Need to stress-test your strategy? Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/💻 Website: https://www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are property investors really just "unproductive speculators"? In Episode 7 of New Zealand Property Insights, Paul and Debbie Roberts dismantle this long-standing myth with hard economic data. Plus, they break down the latest REINZ figures and provide a crucial survival guide for those currently trapped in negative equity. In this episode, Paul and Debbie cover:The $24.8 Billion Truth: A new Infometrics report commissioned by the NZPIF proves that private residential property investors are a massive economic engine. Investors generate $24.8 billion in value-added economic activity, making up 5.9% of New Zealand's GDP. By spending $4.1 billion on maintenance and $10.7 billion on new builds, investors sustain 126,000 jobs across the country. The 'Patient' Market: The latest REINZ data shows a market that is moving at a deliberate pace. The national median sale price rose 3.2% year-on-year to $795,000, while sales volumes remained relatively flat. With the national median time to sell sitting at 56 days, Paul and Debbie explain why this "standoff" is actually an educated investor's best friend. Surviving Negative Equity: Cotality estimates that 5,000 people who bought at the 2021 market peak have recently sold at a loss, and around 1,700 first-home buyers have had their 20% deposits wiped out. If you are currently underwater on your mortgage, Paul and Debbie share practical steps to survive—including restructuring with your bank, finding a boarder, and manufacturing your own equity through DIY improvements. Whether you are looking to understand the true value of your investment business or just need a clear plan to navigate a flat market, this episode provides the factual insights you need.Resource Links:📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/🏠 Book a Free Chat: Need to stress-test your strategy? Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/💻 Website: https://www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is it finally getting easier to buy a house in New Zealand? In Episode 6 of New Zealand Property Insights, Paul and Debbie Roberts unpack the latest data showing housing affordability is at its best level in nearly a decade. Plus, they issue a massive warning about a deceptive "get-rich-quick" scheme making a comeback in the real estate market.In this episode, Paul and Debbie cover:The Affordability Equation: Why the "handbrake is off" for the property market. We break down the latest Cotality data showing it now takes an average of 9.6 years to save a deposit, down from the peak of 13.4 years. Wellington is currently the most affordable main centre with a 6.4 value-to-income ratio, while Tauranga remains the least affordable at 8.5.The Property Flipping Trap: A serious warning for both buyers and sellers. We expose the "contemporaneous settlement" tactics used by unlicensed property traders and "gurus" to make quick profits off unwitting vendors. We explain why these schemes leave everyday Kiwis at risk of losing their deposits or facing massive tax bills from the IRD.The Rental Squeeze: Tenant demand is surging, with rental enquiries up 35.5% in February. However, rents are barely budging—with Auckland up just 0.7% and Wellington actually falling by 7.4% year-on-year. We explain why we are in a highly price-sensitive renter's market and why landlords need to prioritise tenant retention over rent hikes.Whether you are looking to buy your first home, expand your portfolio, or just want to ensure your current rentals are protected, this episode provides the factual, evidence-based insights you need.Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/events 🏠 Book a Free Chat: Need to stress-test your strategy? Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/💻 Website: https://www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is a volatile global market your best window of local opportunity? In this episode, Debbie Roberts from Property Apprentice breaks down why you shouldn't let overseas headlines dictate your financial strategy.We explore why top economists believe the Middle East conflict won't crash the local property market, and why pulling your money out of KiwiSaver right now is a dangerous move.Key Topics Discussed:The "Pump Tax": How higher global oil prices will squeeze household disposable income .Auckland's Intensification: The pushback from residents over 15-story apartments and the reality of townhouse development .The End of Speculation: Why the "Sharesies generation" is pivoting to managed funds, and how true property investors manage the fear of Capital Gains Tax .A $27 Billion Crisis: 90% of NZ homes need immediate maintenance . Debbie shares tips on regular upkeep to avoid massive bills .Rent Milestones: Central Otago's rental stock has plummeted 24%, driving average rents past $900/week .📢 FREE EVENT: How to Succeed with Property Investing Learn to navigate the current market with confidence at our live, 100% independent online masterclass . 👉 **Register here:** www.propertyapprentice.co.nz Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are we finally seeing a turning point for the New Zealand property market in 2026? In Episode 5 of New Zealand Property Insights, Paul and Debbie Roberts unpack the latest data, which shows that the potential oversupply of housing is finally starting to clear.In this episode, Paul and Debbie cover:The February Market Shift: Over 12,200 new listings hit the market in February this year, which is a 7.8% increase year-on-year. Despite this massive surge, total housing stock only grew a modest 1.8%, indicating that homes are actually being sold rather than accumulating.Regional Price Records: Southland recorded an all-time high asking price of $584,786. Meanwhile, Northland's average asking price dropped out of the $800,000 bracket for the first time since June 2025.Property vs. KiwiSaver: According to the latest ASB Investor Confidence Survey, traditional property investment has just been knocked off the top spot as a preferred way to make money. KiwiSaver and managed funds have overtaken both the family home and investment property as top performers in the eyes of investors.  Paul and Debbie explain why the golden rule of "leverage" still gives property investing a massive advantage over the long-term.The "Wear & Tear" Trap: Landlords are seeing a surge of disputes at the Tenancy Tribunal over what constitutes "fair wear and tear" versus intentional damage. Discover how the "betterment" rule and depreciation work—and why a tenant can wreck a five-year-old dishwasher, but the landlord might get zero compensation because its depreciated book value is zero.Whether you are looking to expand your portfolio or just want to ensure your current rentals are protected, this episode provides the factual, evidence-based insights you need.Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/🏠 Book a Free Chat: Need to stress-test your strategy? Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is a flat property market your best window of opportunity? In this episode of The Week in Review, Debbie Roberts from Property Apprentice unpacks a fascinating mix of global tension and local opportunity. While Middle East conflicts drive volatility in the share market, the New Zealand property market is presenting one of the best buyer's markets in recent history.We dive into why Auckland just recorded its busiest February for sales in five years, driven by a 9.6% drop in median prices. We also cover Cotality's latest regional data, Tony Alexander's insights on why speculative investors have thrown in the towel, and a radical new proposal on KiwiSaver.Key Topics Covered:Global Market Volatility: Why you shouldn't panic about your KiwiSaver balance, and how property acts as a tangible hedge against inflation.Cotality Regional Update: Auckland flattens out, Wellington City rises, and Invercargill hits a new peak.Auckland Sales Surge: How a drop in prices to $904,000 is drawing buyers back into a market with 15-year-high stock levels.The End of FOMO: Why first-home buyers are dominating the nearly 36,000 homes currently for sale.KiwiSaver 2.0: Reviewing the proposal to lock the withdrawal age at 65 and ramp up employer contributions to 12%.📢 FREE EVENT: How to Succeed with Property Investing Don't cross your fingers and hope for the best. Join our 100% independent, FREE online masterclass to cut through the jargon and learn how to structure your portfolio for success in today's conditions. 👉 Register here: www.propertyapprentice.co.nz#NZProperty #KiwiSaver #FirstHomeBuyerNZ #AucklandSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is a flat property market actually your best window of opportunity? In this episode of The Week in Review, Debbie Roberts from Property Apprentice unpacks a New Zealand market that is finding its feet, but moving at a glacial pace. While the headlines might sound sobering, there are massive opportunities hiding in plain sight if you know where to look.We dive into a shocking report revealing how young women are being left behind on the property ladder, alongside alarming Westpac data showing that 1 in 3 Kiwis currently have less than $500 in savings.Plus, we cover why ANZ economists have downgraded their 2026 house price forecasts to just 2%, why landlords are increasingly anxious about tenant legislation, and the good news about property asking price reductions hitting a two-year low—signalling the ground is finally firming up.Key Topics Covered:Landlord Anxiety: Why lower competition makes this the perfect time to buy.The Gender Property Gap: Breaking down the income and knowledge barriers keeping women out of the market.ANZ's 2026 Forecast: What a flat house price forecast means for your mortgage strategy.The Savings Crisis: The reality of Kiwi savings accounts and KiwiSaver balances.Market Data: Why $40 million wiped from asking prices actually points to a stabilizing market.📢 FREE EVENT: How to Succeed with Property Investing  Join our 100% independent, FREE online masterclass to cut through the jargon and learn how to structure your portfolio for success in today's conditions. 👉 Register here: https://www.propertyapprentice.co.nz🎧 Follow us for weekly updates! Please open your Apple Podcasts or Spotify app right now and hit the follow button!Subscribe to our Apple Podcasts Channel HereSubscribe to our Spotify Channel Here#NZProperty #MortgageRates #RealEstateNews #FirstHomeBuyers #FinancialLiteracy #Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.In this episode of New Zealand Property Insights, Paul and Debbie Roberts unpack the stark warnings from the recent New Zealand Economic Forum regarding the future of NZ Superannuation. With an aging population and changing economic data, relying solely on the government for retirement is becoming an increasingly risky strategy.In this episode, Paul and Debbie cover:The Superannuation Squeeze: A breakdown of why the retirement age may need to rise to 72 or 73 for the country to afford the Superannuation Bill. The hosts discuss the dropping dependency ratio and the alarming fact that 40% of Kiwis reach age 65 with little to no private savings.Reserve Bank Outlook & Interest Rates: With the OCR sitting at 2.25%, the Reserve Bank has indicated that mortgage rates may only fall a further 20 to 30 basis points. Paul and Debbie discuss why 70% of borrowers are now choosing to fix their mortgages for at least one year and how to structure loans in a flat-to-rising market.MBIE Landlord Compliance Crackdown: A recent sweep of 53 student rentals in Dunedin resulted in 23 warnings and 12 improvement notices. Discover why taking a planned, preventative approach to maintenance and documenting everything is essential to protect your investment business.Whether listeners are planning for retirement or looking to ensure their rental properties remain compliant, this episode cuts through the noise to provide actionable, factual insights.Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/🏠 Book a Free Chat: Need to stress-test a strategy? Book a no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/💻 Website: https://www.propertyapprentice.co.nzDisclaimer: This information is general in nature and does not constitute personalised financial advice. Please consult with your own professional advisers before making any investment decisions.Chapter Markers01:51 The Savings Crisis: Why 40% reach 65 with no savings06:37 Topic 2: Reserve Bank Outlook & Interest Rates 08:34 Mortgage Fixing Trends: Why Kiwis are locking in rates 10:37 Is it a good time to buy property right now? 14:28 Topic 3: MBIE Compliance Crackdown on LandlordsSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.The New Zealand property market is showing signs of life, but the real story lies in the regional data and current mortgage trends. In this episode of New Zealand Property Insights, Paul and Debbie Roberts unpack the new Cotality Decoding 2026 Report and the record-breaking surge in bank switching.In this episode, Paul and Debbie cover:The 2026 Market Outlook: A deep dive into the latest Cotality report. While 71% of respondents expect house prices to rise in 2026, the data reveals a mood of cautious optimism rather than a massive boom. The hosts discuss the significant regional split, contrasting Canterbury's strong confidence against Wellington's lagging market.The Danger of "Free" Advice: Debbie explains why "free" financial plans from property companies are often designed purely to sell commission-based properties. She highlights why securing independent financial advice is crucial to ensure you aren't paying top dollar for an underperforming investment.The Great Bank Switch: In December 2025, a record-breaking $5.8 billion in lending was driven simply by borrowers switching banks to chase cashback deals. Paul and Debbie explore whether these cashbacks actually save money, warning investors about hidden break fees and clawback periods. They also share actionable tips on how to negotiate better rates with your current bank using a mortgage adviser.Whether listeners are looking to refinance or wondering where the property market is heading next, this episode cuts through the noise to provide the facts.Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/ 🏠 Book a Free Chat: Need to stress-test a strategy? Click to book a no-obligation chat with Paul Roberts💻 Website: https://www.propertyapprentice.co.nz00:00 Intro Music 00:06 Introduction: Unpacking the Cotality 2026 Report 00:18 Topic 1: The 2026 Market Outlook & "Cautious Optimism" 01:35 Regional Property Split: Why Canterbury is outperforming Wellington 01:54 Interest Rate Reality: Are OCR hikes coming? 04:10 The Danger of "Free" Financial Advice & Sales Pitches 04:52 Strategy: Creating your own capital growth through renovations 05:51 Topic 2: The Great Bank Switch & Record Refinancing 06:47 Who is moving banks? The reality of cashback offers 08:03 Warning: Break fees, clawbacks, and the true cost of switching 08:39 Mortgage Advice: How to negotiate better rates with your bank 10:08 Summary & Next Steps: Free Property Investing EventSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is the property market officially shifting gears?In this episode of The Week in Review, Debbie Roberts unpacks a massive week of contradictory but exciting real estate news. We dive into a sudden surge in tourism and migration that has the broader economy starting to hum, and discuss why the Reserve Bank holding the OCR steady at 2.25% cements a "higher for longer" interest rate environment.We also cover a massive win for first-home buyers as ASB joins the Kāinga Ora 5% deposit scheme with a unique lending advantage, plus a look at why the government just slashed Auckland's long-term housing targets by 400,000 homes.Key Topics Covered:Migration & Tourism: How the late-2025 rebound is setting the stage for a housing revival.First Home Buyers: Why ASB's entry into the 5% deposit scheme—and their acceptance of two boarders' income—could boost your buying power.Interest Rates: What the OCR pause at 2.25% means for your fixed-rate mortgage strategy.Auckland Zoning: The government's U-turn on Plan Change 120 and what it means for character neighbourhoods.Market Data: Cotality's February update showing flat property values and a welcome drop in rents.📢 FREE EVENT: Navigating a recovering market requires careful planning based on data, not headlines. Join our free online masterclass to learn how to structure your portfolio for success. 👉 Register here: https://www.propertyapprentice.co.nzTimestamps: 0:00 - Intro: Economic Rebound & Mixed Signals 0:46 - Migration & Tourism Rebound 1:44 - ASB Joins Kāinga Ora 5% Deposit Scheme 2:50 - OCR Paused at 2.25% 5:10 - Auckland Housing Target Slashed 6:25 - Cotality Feb 2026 Data 8:30 - Final Thoughts & Free EventSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.The market is shifting gears—are you keeping up?In this week's Week in Review, Debbie Roberts unpacks the signals that matter most to your wallet. We are seeing a stabilizing market with resale profits ticking up, but a surprise surge in borrowers locking in 2-year fixed rates suggests the "floating rate" trend is over.Key Topics Covered:Resale Turnaround: 88% of sellers made a profit in Q4—has the market hit the bottom?Mortgage Trends: Why new lending hit record highs in December and why everyone is fixing for 2 years.Golden Visas: The foreign buyer ban softens on March 6th. We explain the strict $5m+ rules.Jobs & Inflation: Unemployment is up, but wage growth is down. What this means for the OCR.Solar Equity: Why retirees and renters are missing out on the solar boom.📢 FREE EVENT: Navigating a stabilising market requires a different strategy. Join our free online masterclass to learn how to structure your portfolio for 2026. 👉 Register here: https://www.propertyapprentice.co.nzBook a free, no-obligation chat with Paul: https://www.propertyapprentice.co.nz/free-strategy-call/Timestamps: 0:00 - Intro: Market Shifting Gears 0:35 - Resale Profits Stabilise 2:10 - The Surge to 2-Year Fixed Rates 4:05 - Foreign Buyer "Golden Visa" Rules 7:15 - Labor Market & RBNZ Update 9:00 - Solar Power Funding Gaps 11:20 - Final Thoughts & Free EventBuzzsprout Tags: #NZProperty #MortgageRates #RealEstateNews #ForeignBuyers #SolarEnergy #EconomicUpdate #DebbieRoberts #PodcastSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is the property market recovering, or is there a sting in the tail?In this week's Week in Review, Debbie Roberts tackles the contradictory headlines facing Kiwi property buyers. We are seeing a classic tug-of-war: mortgage rates are dropping and first-home buyers are active, but unemployment has hit a 10-year high of 5.4% and the RBNZ is demanding tighter risk rules from banks.Key Topics Covered:Property Values: Why the market dipped in January and the outlook for 2026.Inflation & Rates: How falling interest rates are finally easing the cost of living.Investor Retreat: Why "lazy" investors are selling up, and why that creates opportunity.Jobs Data: Understanding the decade-high unemployment rate and the surprise job growth numbers.Lending Rules: The RBNZ's new warning to banks—will it get harder to borrow money?📢 FREE EVENT: Confused by the mixed signals? Join our free online masterclass to learn how to build a resilient portfolio in 2026. 👉 Register here: https://www.propertyapprentice.co.nz Book a free chat with PaulTimestamps:0:00 - Intro: Good News vs. Bad News 1:32 - Property Market Sluggishness 4:54 - Cost of Living & Mortgage Rates 7:00 - First Home Buyers vs. Investors 10:43 - Unemployment Hits Decade High 13:22 - RBNZ Tightens Risk Rules 16:51 - Final Thoughts & Free Event  #NZPropertyMarket #PropertyInvestment #InterestRates #RBNZ #FirstHomeBuyers #EconomicUpdate #DebbieRoberts #PodcastSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.The start of 2026 hasn't been as quiet as expected. From new tax proposals that have investors on edge to economic data forcing banks to tear up their interest rate forecasts, there is a lot to unpack.In this episode of New Zealand Property Insights, Paul and Debbie Roberts deep dive into the proposed 28% Capital Gains Tax (CGT), the reality of sticky inflation, and why "resilience" is the new keyword for due diligence.In this episode, Paul and Debbie cover:The 2026 Election Proposal: A breakdown of Labour’s proposed flat 28% tax on investment property profits. Paul and Debbie analyse what this means for portfolios and compare it to Australia’s system (highlighting the lack of an inflation adjustment as a major sticking point).The "Speculator" Myth: Why the narrative around property investors often misses the mark regarding long-term holds versus flipping.The Economic Shift: With annual inflation hitting 3.1% and breaching the Reserve Bank's target band, the hosts discuss why some economists are now predicting OCR hikes as early as late 2026 and the implications for mortgage strategies.Climate Resilience: With insurance premiums rising and flood zones under scrutiny, the episode explains the extra due diligence checks investors need to perform before buying in today's market.Whether listeners are worried about future taxes or navigating the current interest rate environment, this episode cuts through the noise to provide the facts.Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: [Insert Link] 🏠 Book a Free Chat: Need to stress-test a strategy? Book a no-obligation chat with Paul Roberts: [Insert Link] 💻 Website: https://www.propertyapprentice.co.nzDisclaimer: This information is general in nature and does not constitute personalised financial advice. Please consult with your own professional advisers before making any investment decisions.#NZPropertyMarket #CapitalGainsTax #PropertyApprentice #InterestRatesNZ #FinancialFreedom #PropertyInvestment #NZEconomy #DebbieRobertsSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is 2026 a "Goldilocks" year for buyers, or is a rate hike trap set for mid-year?In this week's Week in Review, Debbie Roberts (Property Apprentice) cuts through the contradictory headlines. We explore why major banks are predicting an OCR hike, why insurers are retreating from Westport, and if the "doer-upper" dream is dead.We cover:Interest Rate Warning: Why ASB & ANZ predict a mid-year rise."Goldilocks" Market: Why first-home buyers are winning right now.Insurance Halt: A major insurer freezes new policies in Westport.Forecast Downgrade: ANZ cuts 2026 price growth to 2%.Renovations: Why buyers are ditching DIY for turnkey homes.📢 FREE MASTERCLASS: Don't guess your way through 2026. Join our free online event to learn strategies for this volatile market. 👉 Register here: https://www.propertyapprentice.co.nzTimestamps: 0:00 - Intro: The Market Tug of War 1:05 - Interest Rates: Mid-Year Hike Warning 3:20 - First Home Buyers: "Goldilocks" Conditions 5:45 - Insurance Retreat: Westport Freeze 8:10 - Market Update: ANZ Downgrades Prices 10:30 - The Death of the "Doer-Upper" 13:15 - Free Masterclass InviteDisclaimer: For educational purposes only. Not personalized financial advice.Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.In this episode, Debbie Roberts from Property Apprentice discusses the hot topic of whether KiwiSaver should be made compulsory or remain voluntary. With recent media attention and political proposals suggesting a shift toward a mandatory model similar to Australia’s, it is a conversation that every New Zealander should be following.Debbie breaks down the potential impact of these changes on your take-home pay, your ability to secure a first-home deposit, and your long-term retirement goals.Key Topics Discussed:The Case for Compulsion: How mandatory savings could close the "savings gap" for New Zealanders and strengthen the national economy.The Impact on Your Wallet: The potential downsides of reduced take-home pay during a cost-of-living crisis and the increased costs for businesses.The First-Home Gateway: Why KiwiSaver remains the primary tool for many to enter the property market and how compulsory savings could lead to larger deposits and better bank lending terms.Financial Discipline: Why the habit of living on slightly less than you earn is a crucial trait for any successful property investor.Taking Control: Why you shouldn't wait for government legislation to secure your financial future.Take Action for Your FutureWhether the rules change or not, your focus should remain on a long-term strategy. If you aren't already a client of Property Apprentice, we invite you to take control of your financial journey today.👉 Register for our next FREE online event: How to Succeed with Property Investing#PropertyApprentice #NZPropertyMarket #KiwiSaver #NZInvesting #FinancialEducation #AucklandProperty #FinancialAdviser #NZProperty #FirstHomeBuyerNZ #RetirementPlanningListen & Subscribe: Find us on Apple Podcasts, Spotify, iHeartRadio, and YouTube.Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.As of January 15th, 2026, the rules for building minor dwellings in New Zealand have officially changed. The headlines say "No Consent Needed" for builds under 70sqm, but the fine print says something very different.In this premiere episode, Paul and Debbie Roberts (Property Apprentice) strip away the media hype to look at the practical details that actually matter to your portfolio. We break down the specific "gotchas" in the new Building and Construction Amendment Act—specifically regarding wet areas and accessibility—and why your choice of builder is now a massive liability issue.Plus, we look at the surprising rebound in the NZ job market. While more jobs are great for paying rent, we discuss why this "good news" might actually slow down the OCR cuts we were all hoping for. Finally, we issue an urgent warning for self-managing landlords regarding a specific email from Tenancy Services that you cannot afford to ignore.In this episode, we cover:The 70sqm Exemption: What you can build, what you can't, and why "exempt" doesn't mean "rule-free."The "Shower Trap": Why installing a level-entry shower for an elderly relative might technically trigger a consent requirement.Liability Shifts: Why the homeowner is now the guarantee, not the Council.Economic Update: Why a hiring boom in 2026 could result in "sticky" inflation and mortgage rates.Landlord Admin: The missing "LNL" code you need to access the new Tenancy Bond Hub.Timestamps: 0:00 - Introduction to NZ Property Insights 0:55 - New Granny Flat Rules (70sqm Exemption) Explained 2:15 - The "Granny" Trap: Wet Areas & Accessibility 4:30 - The Resource Consent Misconception 6:20 - 2026 Economic Shift: Jobs vs. Inflation 8:45 - What High Employment Means for Mortgage Rates 9:45 - Urgent: The "LNL" Code for Self-Managing LandlordsResources & Links: Learn how to create a property strategy that works in the 2026 market. Register for our upcoming free online event, "How to Succeed with Property Investing." 👉 Register here: https://www.propertyapprentice.co.nz/auckland-events/About Property Apprentice: Property Apprentice is New Zealand’s leading property investment education and coaching provider. We offer 100% impartial advice—we don't sell property, so our only goal is to help you achieve financial freedom through safe, strategic investing.Subscribe for more data-driven NZ property market updates.#NZProperty #GrannyFlats #PropertyInvestmentNZ #InterestRatesNZ #LandlordAdvice #PropertyApprentice #PaulandDebbieRoberts #NZRealEstate #BuildingConsent #PassiveIncomeSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are we in a recovery or a price crash? In this week's episode, we tackle the mixed signals hitting the New Zealand market. BNZ economists are telling us "don't stop believin'" as business confidence hits multi-year highs, yet Trade Me data shows asking prices plummeted by over $80,000 in the last two months of 2025.We break down why REINZ says buyer confidence (and FOMO) is officially returning, despite the confusing data out of regions like Gisborne. Plus, we dive into the "Oil Tanker" effect—why dropping interest rates haven't put more money in your pocket yet—and settle the decade-long debate: Did KiwiSaver actually outperform property investment over the last 10 years?Topic #1:  NZ Adviser 22nd of January - "Don’t stop believin’" in NZ recovery: BNZ economistTopic #2: RNZ 22nd of January - Confidence returning to property market, REINZ saysTopic #3: Good Returns 21st of January - Why mortgage holders don’t feel like there is more money in their pocketTopic #4: 1News 20th of January - KiwiSaver or your house - which will give better investment returns?Topic #5: Interest.co.nz 21st of January - Average asking price of residential properties listed on Trade Me Property sank $82,500 in November and December - Auckland down $126,400, Gisborne takes a huge hit🚀 FREE EVENT: How to Succeed with Property Investing Confused by the mixed data? Don't guess your way through 2026. Join us for our free online masterclass where we share strategies to navigate this volatility, understand the "lag," and build a portfolio that works. 👉 Register for your free spot here: https://www.propertyapprentice.co.nz/auckland-events/Book a free, no-obligation meeting with Paul Roberts:  https://www.propertyapprentice.co.nz/free-strategy-call#NZProperty #PropertyInvesting #KiwiSaver #InterestRatesNZ #BNZ #RealEstateNZ #FinancialFreedom #PropertyApprentice #REINZSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is the "Buyer's Market" finally here? In this first episode of 2026, we break down a massive week for New Zealand real estate. The data is in: December stock levels have hit a 10-year high, giving buyers more choice than we've seen in a decade. But with new rules for Granny Flats kicking in today and economists predicting a twist in the OCR tale, the window of opportunity might be moving faster than you think.We discuss the new legislation allowing 70sqm minor dwellings without consent—a game-changer for adding value and yield . We also dive into the latest lending disputes regarding age limits on mortgages and why Westpac and Tony Alexander are warning that the upcoming election could throw price predictions off course.In this episode, we cover:🏠 Record Listings: Realestate.co.nz reports the highest December stock levels since 2014.🔨 Granny Flats Unleashed: The new "no-consent" rules for 70sqm builds start today—but there are conditions.📉 OCR Forecast: Why Westpac is now pencilling in a rate hike post-election.🗳️ Election Impact: Tony Alexander explains why the 2026 election makes forecasting house prices risky.👵 Lending Rules: How old is "too old" for a 30-year mortgage? 🚀 FREE EVENT: How to Succeed with Property Investing Join us for our free online masterclass where we share strategies to navigate this new market window, utilize the new density rules, and build a portfolio that works. 👉 Register  hereBook a free, no-obligation chat with Paul here: https://www.propertyapprentice.co.nz/free-strategy-call/Sources & Articles Discussed00:01:17 Topic #1:  Good Returns 13th of January - One OCR hike pencilled in by Westpac00:02:58 Topic #2: 1News 15th of January - No-consent granny flats from today, but it's 'not a free-for-all'00:04:41 Topic #3: RNZ 13th of January - How old is too old for a home loan?00:08:28 Topic #4: Oneroof.co.nz 14th of January - Tony Alexander: Why the 2026 election is throwing house price predictions off course00:11:21  Topic #5: Realestate.co.nz 12th of January - Rare advantage for property seekers as stock hits 10-year December highSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Stuff 10th of December - Capital crunch: Central Wellington now has the cheapest property in the countryTopic #2: RNZ 9th of December - GST used to be 10%, is it going to rise again?Topic #3: Interest.co.nz  11th of December- Average asking prices on Trade Me Property cooled in most regions in NovemberTopic #4: RNZ 9th of December - The OCR is down, so why are home loans rising?Topic #5: Financial Markets Authority 11th of December - FMA censures Opes for breaching financial advice provider licensee obligations  A special thanks to Feedspot for naming us as one of the "Top New Zealand Real Estate Podcasts".Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  The Mortgage Mag 4th of December - Buyers sitting on the sidelines in best time to buy in a decadeTopic #2: RNZ 3rd of December - Westpac launches scheme to help owners protect homes from extreme weatherTopic #3: Cotality 4th of December- Property values still in a holding patternTopic #4: RNZ 2nd of December - Adjustment to single pension rate may be prompting women to borrow against homes Topic #5: RNZ 2nd December - Consumer and business credit demand improves again in October A special thanks to Feedspot for naming us as one of the "Top New Zealand Real Estate Podcasts".#NZProperty #RealEstateNZ #FirstHomeBuyer #PropertyInvestment #HousingMarket #BuyNow #PropertyApprentice #InvestmentOpportunity #RealEstateTips #FinancialFreedomSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 26th of November- OCR Cut: What the RBNZ saidTopic #2: RNZ 26th of November - Is it cheaper to pay a mortgage, or rent?Topic #3: TradeMe 28th of November- OCR predictions for 2026 & 2027Topic #4: RNZ 26th of November - The rising cost of taking a gamble on the what-ifsTopic #5: NZ Herald 24th of November - KiwiSaver 12% plan risks backfiring without total pay ban, provider warns#PropertyApprentice #NZProperty #RentVsBuy #FirstHomeBuyerNZ #FinancialFreedom #RNZ #PropertyInvestmentNZ #PaulAndDebbieRobertsSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is a Capital Gains Tax (CGT) actually on the horizon for New Zealand property investors? 🏠🤔Paul's tackling the conversation arising from the recent Labour Party conference and answering the big question many of you have been asking: What does this mean for my portfolio?He also take a hard look at why the Government struggles to be an effective landlord compared to private investors, and I share some "warning signs" from the UK and Australian markets that we need to pay attention to.But it’s not all doom and gloom! The market is moving, and there are massive opportunities right now for investors who can see past the headlines.In this video, I cover: 🔹The CGT: What’s being said and what you need to know. 🔹 Govt vs. Private Landlords: Why private investors are essential for a healthy rental market. 🔹 The "Dysfunctional" Property Manager: Why government-run housing often faces conflict. 🔹 Global Lessons: What we can learn from the tax changes in the UK and Australia. 🔹 Market Outlook: Why I’m optimistic about the economy moving forward.Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 19th of November- Capital gains tax wouldn’t have raised much in recent years - CotalityTopic #2: RNZ 20th of November - The difference in investing strategies between over-60s and under-30sTopic #3: Oneroof 19th of November- Homeowners could get up to $15,000 as ANZ boosts its cashback to 1.5%Topic #4: TradeMe 20th of November - What new Auckland Council housing intensification proposals (PC 120) mean for youTopic #5: NZ Adviser 20th of November - Final OCR cut expected, door left open for more#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good  Returns 3rd of November- Market recovery signals consistent with interest rate fallsTopic #2: NZ Financial Adviser 5th of November - Auckland housing market steadies as listings rise and confidence growsTopic #3: RNZ 6th of November- 'People learning to manipulate the system': Call for KiwiSaver hardship withdrawal changesTopic #4: Oneroof 4th of November - SBS quietly offers ‘crazy’ home loan rates of 3.99% - lowest in four yearsTopic #5: Realestate.co.nz 6th of November - Kiwis paying more at the supermarket, but less on rent#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Oneroof 29th of October-Capital gains tax fallout: ‘House prices are not going to fall another 20%’Topic #2: Good Returns 28th of October - Bets are on for OCR to fall even furtherTopic #3:  Stuff 30th of October- Biggest bank thinks house prices will rise this year after allTopic #4: 1News 30th of October - New granny flat rules could put rates up, economist says#PropertyInvestment #NZPropertyMarket #PropertyNews #RealEstateNZ #InvestInProperty #PropertyInvesting #PropertyApprentice#LandlordsNZ #OccupancyLimits #GrannyFlatsNZ #ConsentFreeGrannyFlats #HousingReformNZ #RentalMarketNZ #PropertyLegislation#FinancialFreedomNZ #PropertyEducation #BuildWealthThroughProperty #NZInvestors #PropertyUpdateSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  RNZ 15th of October- Consider tax breaks for KiwiSaver, international report sayTopic #2: NZ Financial Adviser 16th of October - Economists welcome RBNZ's cautious LVR easing amid housing restraintTopic #3: Good Returns 14th of October - First home buyers take advantage of soft housing marketTopic #4: 1News 13th of October- Why Inland Revenue is taking money from bank accountsTopic #5: Interest.co.nz 25th of October -Residential building costs still increasing but slowed to 0.4% in the September quarterRegister to our free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/free-strategy-call/Book a no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/auckland-events/#AucklandHomelessness #InternationalStudents #RoughSleeping #NZNews #TreasurySolutions #GSTIncrease #PensionAge72 #FinancialCrunch #RNZNews #NewZealandNewsSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  RNZ 21st of October- Landlords respond to research criticism on occupancy limitsTopic #2: 1News 23rd of October - Exemption allowing granny flats to be built consent-free passes into lawTopic #3: Interest.co.nz 22nd of October - Trade Me Property says the balance of power between tenants and landlords is shifting in tenants' favourTopic #4: NZ Herald 22nd of October- Why you might need $1m to retire in a big cityTopic #5: Stuff 23rd of October - 700 property owners in limbo, millions at stake while council and Government play blame game#PropertyInvestment #NZPropertyMarket #PropertyNews #RealEstateNZ #InvestInProperty #PropertyInvesting #PropertyApprentice#LandlordsNZ #OccupancyLimits #GrannyFlatsNZ #ConsentFreeGrannyFlats #HousingReformNZ #RentalMarketNZ #PropertyLegislation#FinancialFreedomNZ #PropertyEducation #BuildWealthThroughProperty #NZInvestors #PropertyUpdate #DebbieRobertsSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 25th of September- First-home buyers’ 10-year, $260,000 rent bill to save depositTopic #2: Oneroof.co.nz 24th of September - Tony Alexander: Why rents are falling and what it means for landlords and tenantsTopic #3: RNZ 25th of September - International students join growing number of rough sleepers in Auckland, advocate saysTopic #4: 1News 25th of September - Is it worth fixing your home loan for longer?Topic #5: NZ Adviser 25th of September -GST at 32 percent, pension age of 72 among Treasury solutions to financial crunch#AucklandHomelessness #InternationalStudents #NZFinance #GSTIncrease #PensionAge #RoughSleeping #FinancialNews #RNZUpdate #NewZealandPodcast #EconomicSolutionsSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 17th of September- Why some mortgage advisers say splitting is good when interest rates are lowTopic #2: Stuff 16th of September - Spring house hunting season is here: Everything you need to get your home ready to sellTopic #3: NZ Adviser 16th of September - Otago tops rental market with record weekly rentTopic #4: The Mortgage Mag 18th of September - Predictions for big OCR drop next month               Topic #5: NZ Adviser 17th of September - New research reveals quake-driven flooding risks for NZ homesRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.In this episode, we're diving into the latest and most significant news for the New Zealand property market. The Inland Revenue Department (IRD) has just revealed that its tax investigations into property investors and developers are paying off—BIG TIME! 💰We break down the shocking numbers from a recent Business Desk article, including a staggering $228 million in undeclared income discovered in just one financial year. This is a massive 46% increase from the previous year, all thanks to new government funding for tax compliance efforts.What You'll Learn:The IRD’s New Strategy: We reveal where the IRD is focusing its efforts and getting the biggest returns.Who’s Being Targeted? Find out why developers, flippers, and those with GST issues are the main targets, with an average tax bill per case in the hundreds of thousands.Brightline & Rental Property Owners: We look at how the Brightline test is catching speculators and how undeclared income from rental properties, while smaller per case, still adds up to millions.Your Wake-Up Call: This isn't about tax evasion; it’s about getting your house in order. We share expert advice on why you need a proactive approach with a qualified property accountant.Essential Advice for Investors: Learn how to stress-test your portfolio, manage cash flow anxiety, and build a resilient property business that can weather any storm.Don't wait for the IRD to contact you. This is a zero-tolerance environment, and staying compliant is your best strategy.Links & Resources:Read the full Business Desk article here: https://businessdesk.co.nz/article/property/fourth-quarter-ird-tax-surge-finds-75m-more-from-property-investors-developers👉 Join our FREE property investment events to learn more: www.propertyapprentice.co.nz👉 Or book a chat with our team today! https://www.propertyapprentice.co.nz/free-strategy-call/Got questions? Drop them in the comments below! 👇#nzproperty #propertyinvesting #kiwiretirement #IRD #nzrealestate #propertytax #landlordtips #nzbusiness #brightline #GSTSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 9th of September- Slumping house prices good news for first home buyersTopic #2: RNZ 9th of September - Wellington house prices slump 30 percent from peak, QV saysTopic #3: TradeMe 9th of September - House prices up for the first time in over a yearTopic #4: The Mortgage Mag 11th of September - Keeping a lid on house prices – housing supply outpaces population growthTopic #5: NZ Adviser 10th of September - KiwiSaver grows to $123bn but non-contributors risingRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 2nd of September- Mortgage defaults improve while lending risesTopic #2: Stuff 2nd of September - Housing is no longer NZ's economic heroin. Now what?Topic #3: The Post 1st of September - Zero growth year: ANZ predicts no house price growth for 2025Topic #4: Stuff 2nd of September - ‘Safe haven’: Wealthy Americans flock to buy their way into NZTopic #5: Ministry of Housing and Urban Development 1st of September - Annual rental price index updateRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Will New Zealand’s economy really outperform Australia over the next few years? And what does this mean for property investors and first-home buyers?In this episode, Paul from Property Apprentice breaks down:Why Westpac expects NZ to outpace Australia economicallyHow OCR cuts and affordability improvements are creating a unique buying windowWhy Sydney’s $1.7M median price makes NZ property look affordableWhat the next 6–12 months could mean for buyers, investors, and upgradersWhy NOW is the time to plan before the market heats up againThe Reserve Bank of New Zealand has already dropped the OCR by 250 basis points, with more cuts likely before year-end. Meanwhile, housing affordability has improved significantly—from 57% to 44% of median household income. But this window won’t last as demand from buyers and investors picks up.If you’ve been waiting to make a move in property, now is the time to get advice and prepare.👉 Join our FREE property investment events to learn more: www.propertyapprentice.co.nz👉 Or book a chat with our team today! https://www.propertyapprentice.co.nz/...📌 Don’t wait until rates drop further—by then, the competition will be back in full swing!#NZProperty #PropertyInvestment #OCR #InterestRates #RealEstateNZ #FirstHomeBuyer #MortgageRatesSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Oneroof 11th of August - Has NZ finally solved its housing crisis? Ten years after soaring prices triggered nationwide panicTopic #2: Good Results 13th of August - Gloomy home ownership resultsTopic #3: RNZ 14th of August - More people making losses when selling their homesTopic #4: 1News 13th of August - Warning after real estate agents caught altering sale agreementsTopic #5: RNZ 13th of August - Living apart together or bird nesting? Divorce in a tough property marketRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 29th of July - Flatter prices in a well- balanced marketTopic #2: Stuff 7th of August - Auckland house price average falls below $1m for first time in nearly a year, Trade Me report saysTopic #3: RNZ 5th of August - Here's what unemployment data means for your home loanTopic #4: Oneroof 6th of August - Tony Alexander: Banks aren’t cutting rates because sunny days are around the cornerTopic #5: Stuff 6th of August - Students face rising rents despite more properties on offer in university townsRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Are you feeling stuck while waiting for your property equity to grow? You’re not alone—but the good news is, this can actually be one of the most powerful times in your investing journey. In this bonus episode, Debbie Roberts—Financial Adviser and Co-Founder of Property Apprentice—shares five smart and practical strategies you can use right now to set yourself up for success while you're in the holding phase. Whether you’re waiting for equity, a market upswing, or just your next move, this episode is packed with actionable advice tailored to New Zealand property investors. ✅ What you’ll learn in this episode: How to understand and leverage the NZ property cycleWays to improve your borrowing capacityTips to refine your strategy for long-term successWhy building the right support team mattersThe #1 thing successful investors do during slow periods💡 Remember: It’s not about timing the market perfectly—it’s about being prepared for when the next opportunity comes. 🎯 Want expert guidance with your investment goals? 🔹 Join our Lifetime Coaching Program: Get lifetime access to proven strategies, expert coaches, and a tailored financial plan to help you reach your property goals. 👉 www.propertyapprentice.co.nz 🔹 Not quite ready? Register for a free info session: 👉 "How to Succeed with Property Investing" (online and no cost): https://www.propertyapprentice.co.nz/auckland-events/ 🔹 Prefer a 1:1 chat? Book a free, no-obligation consultation with Paul here: 👉 https://www.propertyapprentice.co.nz/free-strategy-call/ 🔔 Don’t forget to subscribe, rate, and share this episode with someone you know who’s serious about property investing. #PropertyInvestmentNZ #EquityGrowth #FinancialFreedomNZ #NZPropertyStrategy #PropertyApprenticePodcastSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 29th of July - Flatter prices in a well- balanced marketTopic #2: RNZ 29th of July - New Zealanders urged to break up with propertyTopic #3: New Zealand Adviser 29th of July - NZ property market: Sales volumes rise but buyers still hold the cardsTopic #4: Realestate.co.nz 28th of July - Home run: Prices of homes in NZ outpace apartments by more than doubleTopic #5: Stuff 30th of July - Mortgage switching has hit a new record. This is how to do itRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  RNZ 24th of July -Rents fall for first time since 2009Topic  #2: Good Returns 23rd of July -Record number of deals being done by first home buyersTopic #3: Eite Agent 23rd of July -NZ buyers and sellers finally find common ground on priceTopic #4: Good Returns 22nd of July -Green light burning brightly for August interest rate cutTopic #5: 'Topping up $300 a week': How much money do property investors actually make?Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Welcome to another bonus episode of the Property Apprentice Podcast, hosted by Debbie Roberts, financial adviser and co-founder of Property Apprentice. In this episode, Debbie unpacks how New Zealand’s aging population is reshaping the future of property investment, interest rates, housing supply, and banking services. What happens to house prices as more Kiwis reach retirement age? Will there be an oversupply of large homes in aging regions? How could long-term interest rates shift due to demographic trends? What are the implications for retirement planning, reverse mortgages, and rental demand? We’ll also dive into insights from the Reserve Bank of New Zealand (RBNZ), Stats NZ, and the New Zealand Treasury, highlighting potential risks and opportunities for investors—especially with the median age projected to rise to over 45 by 2050. Whether you're a property investor, a future retiree, or a Gen Z planning ahead, this episode offers crucial takeaways: Why smaller, single-level, low-maintenance homes are becoming more attractiveHow shrinking working-age populations affect NZ Superannuation sustainabilityWhat changes banks may make in response to higher deposits and fewer mortgagesTips for adapting your investment strategy in a changing economic environmentRegister for our FREE event: "How to Succeed With Property Investing" 👉 https://www.propertyapprentice.co.nz Don’t forget to subscribe, like, and share this episode with anyone planning for retirement or exploring property investment in New Zealand.Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Oneroof 15th of July - Homeowners taking out low-interest green loans warned on break fees and rate hooksTopic #2: RNZ 15th of July -Is it worth paying a real estate agent to sell your house?Topic #3: 1News 17th of July - Apprentices dropped as builders struggle with downturnTopic #4: RNZ 15th of July -The return of the property investor - but why?Topic #5: Interest.co.nz 15th of July - New Zealand should ‘destroy’ the idea that the economy is linked to house price growthRegister to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/Support the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.